Save on 2014 Subaru Outback Insurance Rates

Feel like you’re a prisoner to an overpriced car insurance policy? Believe me when I say you’re not alone.

Many insurance companies vie to insure your vehicles, so it can be very hard to choose a insurance company to find the absolute best price available.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the best rates is not rocket science. But consumers must learn how big insurance companies compete online.

Why your Subaru Outback insurance rates may be high

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for car insurance. Understanding what influences your rates enables informed choices that could result in better car insurance rates.

  • Your age impacts your rates – Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations. Youthful drivers have a tendency to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
  • Liability insurance protects assets – Liability coverage is the protection if a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a sure-fire way to bump up your car insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Traffic violations increase rates – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets get better rates compared to drivers with tickets. Just one speeding ticket can bump up the cost by twenty percent. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Compare Quotes for Car Insurance

There are several ways of comparing price quotes from different insurance companies. The simplest method to find the cheapest 2014 Subaru Outback insurance rates is simply to get online rate quotes. This can be done in several different ways.

  1. The recommended way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for separate quotation requests for every car insurance company. One quote request will return price quotes from multiple companies.
  2. A slightly less efficient method to compare rate quotes requires a visit to the website for each individual company and complete a new quote form. For example, we’ll assume you want rates from Nationwide, Allstate and Progressive. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, double check that you are using the exact same information for every quote you compare. If you enter mixed coverages it will be next to impossible to decipher which rate is best. Having just a slight variation in limits may cause a big price difference. It’s important to know that having more price comparisons will improve the odds of getting the best price.

Lower rates by qualifying for discounts

Companies don’t necessarily list all their discounts very well, so we break down both the well known as well as the least known savings tricks you should be using.

  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Outback coverage with certain companies.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to bad drivers.
  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates when buying auto insurance on Outback coverage.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Outback coverage than their less cautious counterparts.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates on Outback coverage.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of companies with the best auto insurance discounts, follow this link.

Car insurance is unique, just like you

When buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might point out if your situation will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • How can I get my company to pay me more for my totalled car?
  • What if I total my 2014 Subaru Outback and owe more than it’s worth?
  • Does insurance cover damages from a DUI accident?
  • What is no-fault insurance?
  • Does medical payments coverage apply to all occupants?
  • How can I find cheaper teen driver insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverages explained

Learning about specific coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as loss of income, legal defense fees and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2014 Subaru Outback.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, vandalism, a broken windshield and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays for damage to your Outback caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage pay for bills for things like hospital visits, pain medications, nursing services and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A little work can save a LOT of money

Budget-conscious 2014 Subaru Outback insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the best prices are with the smaller companies. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In too many instances, an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy enough coverage at the best price, not the least amount of coverage.

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